Cheap Auto Insurance Quotes in Huron, SD (January 2022)

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Last Updated: January 2022

Car Insurance in Huron, SD

State law requires all South Dakota drivers to carry the minimum car insurance coverage. To comply with the minimum coverage insurance laws, you need to carry liability coverage (both bodily injury and property damage) as well as underinsured/uninsured motorist coverage. Plus, if you’re financing your vehicle, your lender may require you to purchase full coverage.

Getting cheap car insurance coverage in Huron, South Dakota, doesn’t have to be complicated or take hours of your time. Use Insurify, an AI-powered tool, to directly connect with the top insurance providers in your area and find the best coverage options at the best price in under five minutes. Getting cheap car insurance quotes with Insurify is easy, fast, and free!

Your auto insurance rates depend on where you live in South Dakota and the average costs can vary from city to city. On average, residents of Sioux Falls and Aberdeen pay a bit more than residents of Rapid City and Huron per month. You can find a chart showing the average car insurance rates for major cities in South Dakota below.

ProgressiveAllstateState FarmThe GeneralAmerican Family

Cheapest Car Insurance in Huron, SD

Different companies and insurance agents weigh factors like your age and credit score differently to determine your car insurance rate. That’s why it’s important to shop around and get at least five car insurance quotes from different auto insurance companies to find the cheapest auto insurance for you.

As a resident of Huron, South Dakota, you have plenty of options to choose from. But instead of manually requesting a quote from each of the auto insurance providers below, you can use Insurify to get real, cheap quotes from them and compare them side by side in one place.

Best Car Insurance in Huron, SD

It is possible to get cheap SD car insurance with great coverage—you don’t need to sacrifice being safe on the road to get a good deal. You can use the table below to see car insurance companies in Huron, South Dakota, with some of the lowest insurance premiums, organized by their Insurify Composite Score from highest to lowest.

However, remember that these auto insurance rates are just estimates based on research. To get real and personalized quotes from these insurance providers in under five minutes, use Insurify.

Average Car Insurance Cost

South DakotaSioux FallsRapid CityAberdeenBrookingsHuron
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Huron, SD Driving Facts


Minimum Car Insurance Requirements in SD

The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in South Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that South Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in South Dakota are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of South Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance. Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Huron Car Insurance Rates by Driver Age

Your age is one of the most important factors that determine the cost of your insurance policy. Statistically, teen and young drivers under 25 have the highest rates. However, your auto insurance coverage will gradually get cheaper and cheaper as you age and gain more driving experience. Drivers in their 60s usually have access to the lowest car insurance rates.

You can find the average car insurance rates by driver age in the table below.

Huron Car Insurance Rates by Driving and Accident History

Your driving history and whether you have any at-fault accidents or DUIs on your record also play an important role in how cheap your car insurance can get. Drivers with a clean driving record generally have the most affordable car insurance rates, while those with speeding tickets, at-fault accidents, and failures to stop on their record have the highest auto insurance costs.

Huron Car Insurance Rates by Credit Tier

Whether you are shopping for the minimum required liability insurance or full coverage, auto insurance agencies will take your credit score into consideration when calculating your rates. Huron drivers with excellent and good credit scores have the cheapest car insurance rates, while those with poor credit history pay more on average.

You can compare average monthly costs for drivers with excellent, good, average, and poor credit scores below.

Huron DMV Information

The DMV is a state-level government agency that provides services related to cars and other vehicles, such as purchasing new license plates and vehicle registration renewal. “DMV” stands for department of motor vehicles. You can simply walk in, but if you want to avoid long lines, it’s recommended that you make an appointment.

There are multiple DMVs in Huron, South Dakota, so you can simply search for the one closest to you. There is no requirement to go to a specific DMV. South Dakota Department of Motor Vehicles also offers several services online, such as finding out the estimated renewal cost of your vehicle. Keep in mind that to renew your driver’s license, you need to visit the South Dakota Department of Public Safety, not the DMV.

Public Transportation in Huron

Huron, South Dakota, is primarily a driving city. It could be difficult to get around Huron without your car. However, there is some public transportation available, primarily buses.

If high car insurance costs are preventing you from investing in a vehicle, there are several things you can do to lower your car insurance premiums. You can bundle your car insurance policy with another insurance policy—such as your homeowners or life insurance—or increase your deductible. However, the best way to find cheap car insurance in Huron is to use Insurify.

How to Get the Cheapest Car Insurance in Huron

Whether you’re looking for a car insurance policy for your family or just for yourself, the best way to find the cheapest auto insurance quote in Huron is to shop around. You need to request at least four car insurance quotes from different car insurance companies and then compare them to see which provider is offering you the best rates and coverage.

However, manually requesting quotes from different auto insurance providers and then comparing them on your own can get time-consuming—not to mention confusing! You have to spend hours on the phone or online with different insurance agents, answering the same basic questions about your age, credit score, and driving history over and over again.

Comparing car insurance quotes with Insurify saves you time, money, and stress. Plus, it helps you find the cheapest car insurance coverage available on the market in Huron in under five minutes! Simply spend a few minutes telling Insurify about yourself, your vehicle, and your coverage preferences, and instantly get 10+ real and personalized quotes side by side.

Find local Huron agents

American Trust Insurance, LLC 
1820 Dakota Ave S, Huron, SD 57350
Heartland Financial Services Inc 
2111 Dakota Ave S, Huron, SD 57350
American Bank & Trust 
1829 E Dakota Ave S., Huron, SD 57350
Art Sieler & Associates 
1945 Indiana Ave SE, Huron, SD 57350-4213
Waldner Ins Agcy 
40500 S Shore Rd, Huron, SD 57350-8114
Farmers Union Insurance Agency 
1835 Arizona Ave SW, Huron, SD 57350
Dakotaland Community Insurance, LLC 
1371 Dakota Avenue South, Huron, SD 57350
1st Stop Insurance 
1507 Dakota Ave S, Huron, SD 57350-3844
HUB International Mountain States 
76 3rd St SW, Huron, SD 57350-2401
Home Run Insurance Agency Inc 
1340 Dakota Ave N, Huron, SD 57350-4545

Insurify Insights: How Huron Drivers Measure Up

Nissan Murano
Most Popular Car in
Huron, SD
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Huron drivers measure up to their fellow South Dakota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Huron

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Huron is the Nissan Murano.

DUI/DWIs in Huron

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Huron drivers rank -- in the number of DUI’s per driver across all cities in South Dakota.

  • Rank within state: #--
  • Percent of drivers in Huron with a DUI: {{percentDrivers}}%
  • Drivers in Huron, SD with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Huron

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Huron drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Huron with a speeding ticket: {{percentDrivers}}%
  • Drivers in Huron, SD with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

FAQs - Huron, SD Car Insurance

How do I find cheap car insurance in Huron, SD?

Shopping around and getting at least four auto insurance quotes from different insurance companies in your area is the best way to get the cheapest rate. However, doing this on your own can cost you time and money. Use Insurify to find the cheapest car insurance rates in Huron, South Dakota. On average, Insurify users save $489 per year!

How much does car insurance cost in Huron, SD?

Different car insurance companies weigh personal and statistical factors, such as your age and vehicle model, differently to determine your unique car insurance rate, so it is difficult to predict how much car insurance will cost for you. However, you can use Insurify to get real and cheap car insurance quotes from the top auto insurance companies in Huron, such as Nationwide and State Farm.

What drives up car insurance rates in Huron, SD?

Certain factors, such as having a poor credit score, being a teen or young driver under 25, and having violations on your driving record, can drive your car insurance costs up. Some vehicle models can also cost more to insure. However, even if you have factors that are negatively impacting your car insurance costs, you can use Insurify to find the cheapest deal for you.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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